Jim Frechette photo

Jim Frechette

VP, Mortgage Banker | Portland Branch

NMLS# 1602897

email [email protected]
C : (207) 651-5955

about me

Jim has nearly 20 years as a real estate veteran and has worked on a wide array of real estate transactions. From raw land, first time home buyers, vacation homes, and multi-families, he can guide you through your transactions. He specializes in applying expertise to help make the loan process run seamlessly. He is a people person and loves to help others realize the American dream of homeownership.

Jim grew up in Maine and studied business at the University of Southern Maine. He lives in Alfred with his wife Melanie and their 3 children. He is active in the community including being part of Alfred Parks and Recreation, Lions Club, and the Knights of Columbus. He enjoys coaching his kids, camping, and he loves to cook.

Jim would be happy to talk to you about your goals to refinance your existing property or to purchase your first or second home, camp or investment property.

client testimonials


Jim was easy to talk to, had a quick response rate to questions, had excellent understanding of and was able to fully communicate the mortgage loans available and the process which we'd go through, and helped us to secure a new home! Can't ask for any better.

Kristin Leahy


Jim was very easy to work with and always willing to answer any and all questions. He walked us through the mortgage process and got us the best rate possible! I would definitely use him again if I choose to refinance or in future purchases.

Benjamin McLeod


Jim came recommended to us by our realtor and a couple who had gotten their mortgage through him on a piece of land next to the one we were buying. He and his team were always positive and always patient as we waded through all of the documentation and paperwork we needed. Communication was great, any questions we had were quickly answered, and we appreciated Jim’s Friday updates to us and his team, telling us what steps of the lending process had been completed that week, and what was coming up. He kept us on track for an on schedule closing even when we were traveling for two weeks and not getting home until 6 days before closing. He ensured everything was ready so we could relax and not stress about it. Jim is very personable, very professional, and willing to take the time needed to be sure you understand everything, we’ll happily recommend him to friends and family.

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Jim is the best! Communication is fantastic. I always know exactly what is going on. Jim's availability is second to none. Great guy, great team at Total Mortgage.

Jay Baker


Jim is fantastic!! I have worked with lenders for years as a realtor and have never worked with a lender who is more communicative with weekly updates and is incredibly knowledgeable and patient with buyers and agents on both sides of the table. He is one in a million! Thank you for another incredible transaction Jim!

Denise M Morrison


If you want to make the home buying process easy , Jim Is Your man ! He will find a way to make your plans come into fruition , and takes all the stress of homebuying out of the process all together ! And get this, They Closed Early and For The numbers they said they would ! All great Things !

eric lopez


They painted a picture of how I can get a home, instead of the reasons I wouldnt be able to .. they looked for a way to make it happen, and were very clear throughout the whole process. Each step was explained and then executed . Great to be able to get a gameplan together and then complete it !

Eric Lopez Jr.


I recently purchased my First Home Using Total Mortgage out of Portland Maine. I was Completely New to everything, and didnt know where to start ..I had been working for years to prepare to buy a home and Jim Frechette was who I worked with and he helped guide me through each step of the process.. I thought it was going to be overwhelming, But not only was the transaction completely seamless , it was almost too easy !!! They got me pre qualified so I could go out and shop with confidence , I found the house I wanted , and from there they had everything taken care of ! They have an easy uploading process for your documents, and they were always available for every question I had ! and I had a lot of them ! I cant thank Jim Enough , But I cant go without Talking about how amazing Meghan Junkins Was throughout the process as well ! She has the most positive attitude, and walked me through the whole process from day one ! The Team Worked really well with my Realtor, and I Have confidence in saying this is the way home buying should be ! They finished their end of things so fast , that we had to wait for the sellers to move before we could close ! I would recommend Jim 's Team if you would like a process that is clear, concise, and moves with speed ! I couldnt be happier with my new home, and the people who helped me with it ! There was no surprises with my purchase, and everything they said they would do , they accomplished !

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Eric Lopez


Jim is so knowledgeable and professional that I never had a hiccup or worry through the whole process. His team, especially his processor is incredible. Absolutely delighted with my experience

Rae P Trafton


Jim worked very hard and took his time to help us get a loan for a house. He took time out of his day to answer all of our questions and concerns 24/7! If you are looking for someone who will be dedicated and always there to answer anything Jim is the best person!

Melinda Graffam


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about total mortgage

At Total Mortgage, we work hard to make it easy. Since 1997, we've combined the personal service and accountability of a local lender with the low rates and product selection of one of the big guys. No matter the loan, we’re with our borrowers every step of the way, from application to closing. It’s no wonder we are a five-star rated lender on Zillow.

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